We went through years of where we thought we’d never see the light at the end of the tunnel.  We’d get close but then someone would move the end.  We had those calls from creditors where you want to scream at them, “How do you get blood from a stone?”  You knew it was bad when you’d cringe at the ring of a phone.  We lived in creditor hell for a while and it is the worst place to be.  I’m not going back there.

     I never thought this day would get here.  One more check to write and we are debt free.  We can pay our regular bills as they arrive. 

     No more loan payments!  We cleared that last week.  We’ve always had a loan payment.  20 years ago when we paid off the mortgage, we still had car payments, and there was a home equity loan we had to take out when most of our major appliances committed suicide on the same day.  Like anyone else, we kept refinancing that loan to pay for things we needed.

     We don’t owe the credit card companies a dime.  I’ve worked hard to keep them clear by only charging what I knew I could pay when the bill came.  Believe me that wasn’t easy. 

     We’ve paid our oil and cable bill for the year, the car insurance too.  Holy crap, we won’t know how to act.  We might even be able to build up a decent savings account.  Wow.